Open enrollment for 2022 begins in just a few weeks. Have you thought about your and your family’s coverage needs?
Choosing health insurance can be a tricky process. You’ll need to consider your budget, if you want to renew your plan or switch, and much more.
Use this step-by-step guide to make the right choice for your upcoming health coverage needs.
Step 1: Take a look at your current plan.
What are your deductible and coinsurance amounts? Will your current network and coverage meet your needs next year? Figuring these things out can help you pick the right plan.
Step 2: Consider pricing and compare your options.
If you’re thinking about changing your coverage, look for coverage that meets your needs and compare prices between potential plans to help you narrow your search. Can you get comparable coverage and keep your doctor with a plan that costs less?
Step 3: Decide to renew your plan or switch.
Once you know your budget and your options, you can renew your current coverage or switch to a different plan. Reach out today to discuss your needs and any changes you have in mind for 2022.
Step 4: Make a note of important deadlines.
You should keep an eye out for any timeline updates from the federal government.
For Medicare Advantage plans and Part D prescription drug coverage, annual open enrollment runs from Oct. 15 through Dec. 7.
If you experience a life-changing event outside of the open enrollment period, such as job loss or welcoming a new baby, you might qualify for a special enrollment period.
Of course, you don’t have to do this alone. Together, we can navigate the open enrollment process and find the right health care coverage for you and your family.
Barb Scott “The Health Insurance Expert”